See below for information about enrolling in Supplemental Life Insurance.

Group Term Life Insurance

Yale University provides all eligible Managerial & Professional employees with $25,000 of basic term life insurance and an equivalent amount of Accidental Death and Dismemberment coverage.

Supplemental Life Insurance

The University currently offers all eligible employees the opportunity to purchase Group Term Life Insurance and an equivalent amount of Accidental Death and Dismemberment coverage in multiples of 1, 2, 3, 4 or 5 times their base annual salary or a flat amount of $50,000. The maximum amount of coverage is $1,500,000.

New or newly eligible employees who enroll within the first 30 days of employment are eligible to purchase up to two times their annual base salary without proof of insurability. Employees wishing to purchase Group Term Life Insurance and new employees electing coverage above two times their annual base salary must complete an evidence of insurability form and be approved by the Insurance company.

The monthly cost of insurance is based on the age of the employee and the amount of term life insurances elected. Monthly costs will also be adjusted as the employee's salary increases and his/her age reaches one of the age brackets shown below. Premiums will be taken from the employee's paycheck as a pre-tax salary reduction on the first $50,000 of coverage and as an after-tax deduction for the cost of coverage over $50,000.

Rate Schedule

Monthly Premium Costs per $1,000 of Coverage. Rates exclude the additional cost of Accidental Death and Dismemberment coverage.
Rates effective July 1, 2015:

Terminating or Retiring Employees

Employees who terminate or retire may continue their supplemental coverage by purchasing a policy directly from Standard. Please contact Employee Services at 203-432-5552 for additional information and an application.